Henderson Federal Savings Bank

Henderson Federal Savings Bank is headquartered in Henderson and is the 377^th largest bank in the state of Texas. It is also the 4,658^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 23 employees at 1 location. Henderson Federal Savings Bank has a 4-star health rating.

Henderson Federal Savings Bank Routing Number: 311971776

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Data for Q1 2012

Institution Statistics Henderson Federal Savings Bank OTS # 03155 FDIC Certificate # 29241 BankRate Report View Year Established 1934 Employees 23 Primary Regulator OCC Assets and Liabilities Assets $112.46 million Loans $78.24 million Deposits $89.36 million Equity Capital $16.79 million Loan Loss Allowance $911,000 Unbacked Noncurrent Loans $2.57 million Historic Data - March 2011 Assets $102.47 million Equity Capital $15.67 million Loan Loss Allowance $649,000 Unbacked Noncurrent Loans $886,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.12% Return on Equity 7.43% Interest Income $1.39 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Henderson Federal Savings Bank had $2.57 million in non-current loans and owned real-estate with $17.7 million in equity and loan loss allowances on hand to cover it. This gives Henderson Federal Savings Bank a Texas Ratio of 14.54% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Henderson Federal Savings Bank increased slightly from 5.43% as of March 31, 2011 to 14.54% as of March 31, 2012, resulting in a negative change of 167.67%. This indicates that the balance sheet and financial strength for Henderson Federal Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Henderson Federal Savings Bank has increased its total deposits by $9.82 million, resulting in 12.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Henderson Federal Savings Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Henderson Federal Savings Bank has $112.46 million in assets with $17.7 million in equity, resulting in a capitalization level of 15.74%, which is excellent.

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